So many people ask me if acupuncture is covered by insurance that I thought I would post some information on the subject. The short answer is IT DEPENDS. It depends on the insurance policy you have purchased - or the policy purchased for you by your employer. Many insurance companies are now covering acupuncture but you really need to check with your carrier and get the details about your policy.
If you are someone taking charge of your healthcare, the last thing you need is a surprise bill in the mail because you were not sure what to expect from your insurance provider.
First, as a consumer of health insurance, you have a right to know what is covered on your policy. Your insurance card usually has a contact phone number on the back, call them directly and ask them the following questions:
1. Does my policy cover acupuncture treatments?
2. How many treatments are covered per year? In some cases there is no limit to the number of treatments, in other cases the provider may limit treatment to 10 or 20 total treatments in a plan year.
3. Does my policy cover 100% or some portion of the treatment? Somtimes, a policy will only cover 80% of the cost of the treatment, regardless of the cost.
4. Is there a deductible? A deductible is the portion not covered by the insurance coverage. For example, one person was told he had a $300 deductible. This means he has to submit $300 in acupuncture costs before the insurance company will pay for treatment.
5. Does my policy cover the condition for which I am seeking treatment.
Once you have these questions answered, you’ll be in a much better position to understand what your insurance coverage can do for you.